What is the holding period for LTCG?

Listed equity + equity MF: >12 months. Immovable property + unlisted shares: >24 months. Debt MF, gold, other assets: >12 months (from FY 2024-25). Assets sold before completing these periods are STCG, taxed differently.

Can I still use indexation for property LTCG?

Only if the property was acquired BEFORE 23-July-2024. Taxpayer can then elect between 12.5% without indexation (new regime) OR 20% with indexation (old regime) — whichever is lower. For property acquired after 23-July-2024, only 12.5% without indexation applies.

How is grandfathering for equity gains handled?

For listed equity purchased before 1-Feb-2018, cost of acquisition = MAX(original cost, FMV on 31-Jan-2018 or sale price, whichever is lower). This prevents retrospective taxation of pre-2018 unrealized gains. Only applies to equity/equity MF LTCG.

What is the holding period for LTCG?

Listed equity + equity MF: >12 months. Immovable property + unlisted shares: >24 months. Debt MF, gold, other assets: >12 months (from FY 2024-25). Assets sold before completing these periods are STCG, taxed differently.

Can I still use indexation for property LTCG?

Only if the property was acquired BEFORE 23-July-2024. Taxpayer can then elect between 12.5% without indexation (new regime) OR 20% with indexation (old regime) — whichever is lower. For property acquired after 23-July-2024, only 12.5% without indexation applies.

How is grandfathering for equity gains handled?

For listed equity purchased before 1-Feb-2018, cost of acquisition = MAX(original cost, FMV on 31-Jan-2018 or sale price, whichever is lower). This prevents retrospective taxation of pre-2018 unrealized gains. Only applies to equity/equity MF LTCG.

LTCG Tax Calculator (India)

Long-Term Capital Gains tax under Section 112A/112 — equity, mutual funds, property. Uses post-July 2024 India rules (12.5% for equity, 20% with indexation for property).

Result

Total LTCG tax payable

₹9,750

Long-Term Capital Gain₹200,000
Annual exemption (₹1.25L)−₹125,000
Taxable gain₹75,000
LTCG tax12.5% (Sec 112A, post-July 2024) with ₹1.25L annual exemption₹9,375
Health & Education Cess (4%)₹375
Effective rate4.88%

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How to use this calculator

Choose asset type (equity, debt, property, gold).
Enter sale value + purchase price + sale-side expenses.
Read LTCG, taxable gain (after exemption), and total tax including cess.
For property purchased before 23-Jul-2024, compare with 20%-with-indexation option separately.

About this tool

Long-Term Capital Gains (LTCG) tax in India was significantly rewritten in the Union Budget 2024 (effective 23-July-2024). All LTCG on financial assets is now taxed at a uniform 12.5% (was 10% for equity, 20% with indexation for debt/property). Listed shares and equity mutual funds get an annual ₹1.25 lakh exemption under Section 112A. Long-term = holding period >12 months for listed equity/equity MF, >24 months for immovable property/unlisted shares, >36 months (older assets). Add 4% Health & Education Cess to computed tax. Surcharge applicable above ₹50L/₹1Cr/₹2Cr income slabs.

Frequently asked

Post 23-July-2024 (Union Budget 2024): 12.5% flat for all long-term capital gains — equity, debt, property, gold. Listed shares and equity mutual funds get ₹1.25 lakh annual exemption. Health & Education Cess of 4% is added on top.

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